SBA acquisition loans let you buy an existing business with as little as 10% down — or even 5% when the seller carries a note. Up to $5M, rates starting at 8%. We handle everything from LOI to close.
No credit pull. No commitment. Just answers.
100% free. No credit check. No obligation. We respond within 2 business hours.
SBA Rate Pulse
Real-time rate context for SBA business acquisition financing.
Page data as of: June 11, 2026 at 09:07:58 PM CDT
SBA rates float with Prime. All 7(a) rates are Prime-indexed.
SBA-capped. Actual rate depends on loan size, term, and lender competition.
Bridgit's average. National average is 3–4 weeks at a single bank.
From complete application to funding. Complex deals may run 75–90 days.
Of accepted term sheets that reach closing. We only submit deals we know will close.
Active SBA-preferred lenders. More competition means better terms for you.
Rate environment note: SBA 7(a) rates are variable, tied to Prime Rate, and capped by the SBA. Bridgit's lender network allows borrowers to receive competing term sheets — driving rates toward the lower end of the range.
Acquisition Loan Sizing
Enter the deal details below. We'll show you the loan amount, whether the SDE supports the debt, and what you need to qualify.
Based on Prime Rate of 7.5% as of calculation date. Actual rates and amounts vary by lender and deal structure.
Enter your numbers to see your estimated loan eligibility.
By Industry
SBA lenders view industries differently. Here's what buyers and lenders are seeing across the most active acquisition categories right now.
Full-Service
Our acquisition brokerage service is truly full-service — from the moment you have an LOI to the day you get the keys.
We write your full SBA business plan and financial projections — built specifically for SBA underwriting to maximize your approval odds.
We submit your deal to multiple lenders simultaneously. You receive competing term sheets and we help you pick the best structure.
Pari-passu, large seller notes, low personal liquidity, investor equity — we've done it all and know which lenders will fund each structure.
We prepare your complete loan package — all documents organized, formatted, and presented the way SBA lenders expect to see them.
We stay in the deal through underwriting — answering lender questions, providing additional docs, and keeping the deal on track.
If you find a lower rate from a qualified SBA lender, we'll match it or beat it. Competition drives everything we do.
The Process
A typical acquisition closes in 45 to 75 days. Here's how we get there.
Share your deal details — industry, asking price, deal structure. We assess fit and funding options within 2 hours. No credit pull.
We build your full loan package including the SBA business plan, financial projections, and all required documents.
We submit to multiple acquisition-focused lenders simultaneously. You get competing term sheets and we help you choose.
We coordinate underwriting, appraisals, and closing docs from start to finish. Most deals close in 45 to 75 days.
Qualifications
Acquisition loans have specific requirements on both the buyer and the target business. Here's what most lenders need to see.
Get Started
Tell us about the deal. Free assessment, no credit check, response within 2 hours.